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I Want to Kick Myself in the Balls

Established Contributor

I Want to Kick Myself in the Balls

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

 

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

 

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

 

So, what's the moral of the story?

 

Actually read the papers that come with your credit cards. Don't be a blockhead like me.

      
Message 1 of 17
16 REPLIES
Moderator Emerita

Re: I Want to Kick Myself in the Balls

Yea, always read and/or know the terms of your cc's.

At least you found out now as opposed to Nov 1!
Message 2 of 17
Super Contributor

Re: I Want to Kick Myself in the Balls


Stralem wrote:

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

 

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

 

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

 

So, what's the moral of the story?

 

Actually read the papers that come with your credit cards. Don't be a blockhead like me.


Before you apply know what your getting instead of just another piece of plastic that said approved  Lol Ha ha ha 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 17
Established Contributor

Re: I Want to Kick Myself in the Balls

Yeah. I'm usually on top of my finances, so I'm really stunned that I was unaware of this.

 

Ugh... Foot meet groin.

 

 

But at least I still have four months remaining on the 0% term. I'll just BT a few small balances and spare myself four months of interest payments.

      
Message 4 of 17
Established Contributor

Re: I Want to Kick Myself in the Balls

You still have time left on the promo... Therefore, only kick yourself in one ball.. Save the other for having kids or as a spare for the next missed opportunity...Smiley Wink
$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 5 of 17
Valued Contributor

Re: I Want to Kick Myself in the Balls

Did you read it closely? Is it on purchases AND BT?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 17
Valued Contributor

Re: I Want to Kick Myself in the Balls


myjourney wrote:


Before you apply know what your getting instead of just another piece of plastic that said approved  Lol Ha ha ha 


righttttttttt !!!!


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 7 of 17
Established Contributor

Re: I Want to Kick Myself in the Balls


crunching_numbers wrote:

Did you read it closely? Is it on purchases AND BT?


Yup, both.

 

 

      
Message 8 of 17
Established Contributor

Re: I Want to Kick Myself in the Balls


Stralem wrote:

Ugh... Foot meet groin.

 


 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 9 of 17
Mega Contributor

Re: I Want to Kick Myself in the Balls


Stralem wrote:

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

 

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

 

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

 

So, what's the moral of the story?

 

Actually read the papers that come with your credit cards. Don't be a blockhead like me.


Sounds like you have learned from your mistake, WTG!! Smiley Happy

 

No ball kicking needed! Lol




EQ FICO 548 3/3/16
Message 10 of 17